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4 Tips to Avoid Having Your Storm Damage Claim Denied

When it comes to storm damage claims, your claim could be denied if the insurance company deems the damage preventable. In other words, for insurance to cover any damage, they will need to determine that the nature of the damage was unexpected, and not due to a lack of basic preventable maintenance on your part.

For this reason, it is helpful to have a public adjuster or even a restoration professional take a look at the outside of your property. This is a great way to make sure that if something were to happen, it will not be deemed negligence on your part.

Here are some other tips to help avoid having your storm damage claim denied:

Inspect Your Roof for Leaks

Even the smallest leak in your roof can cause major damage to your home. That is why it is so important to perform regular inspections of areas prone to leaks, like flashing around sky lights, vent pipes and chimneys. It is often challenging for homeowners to detect smaller leaks, so hiring a professional to inspect these leak-prone areas is highly recommended. If damage is determined to come from a preventable leak, it will likely not be covered by your insurance. Being proactive and checking regularly will save you a costly headache.

Check for Cracks and Gaps in Foundation

Water that enters your home from the outside will likely not be covered either. Regular inspection of your foundation can help prevent flooding and water damage. If you do find minor cracks, filling them with outdoor caulking is your best option to prevent indoor damage.

Check Ceiling for Water Stains and Drywall

If you notice water marks on a ceiling or wall in your home, you likely have water entering your home through the roof. It can be challenging to identify exactly where the water is entering from, so hiring a professional restoration or licensed roofing company is going to be required. They will be able to determine where the leak is originating from and do any necessary repairs.

Check Caulking & Weather Stripping on Doors and Windows

Older windows and doors can often be the culprit of leaks as well. If you can feel a draft coming from any window or door in your home, it is smart to have them replaced or at least caulked around the perimeter to prevent any damage. This can be a very common culprit for damage, but the good news is, it is easily preventable by conducting regular inspections of these areas of your home.

Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.

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